STECAMO
ActiveSTECAMO has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €83k and a net result of €-20k. Equity remains stable across the filed fiscal years (±0.3% per year). Its solvency ranks better than 95% of 8636 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-51
Solvency100▲+12
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 10.56 against 1.83 in 2024; short-term debt: 0.7% and cash: 4.8% of total assets), and 0.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-07-2026, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 d early
2024
26 d early
2023
56 d early
2022
28 d early
2021
36 d early
2020
11 d early
2019
24 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€83k▼ 40.2%
2024 · €139k
2018: €128k
2019: €107k
2020: €143k
2021: €140k
2022: €148k
2023: €139k
2024: €139k
2018 → 2025
Total assets
€84k▼ 61.8%
2024 · €220k
2018: €370k
2019: €325k
2020: €290k
2021: €224k
2022: €284k
2023: €232k
2024: €220k
2018 → 2025
Net result
€-20k
2024 · €472
2018: €3k
2019: €-20k
2020: €36k
2021: €-3k
2022: €8k
2023: €-10k
2024: €472
2018 → 2025
Working capital
€6k▼ 90.8%
2024 · €62k
2018: €-63k
2019: €-66k
2020: €-14k
2021: €6k
2022: €40k
2023: €45k
2024: €62k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€140k-€148k▲ 5.9%€139k▼ 6.4%€139k▲ 0.3%€83k▼ 40.2%
Operating result€365-€12k▲ 3,252%€-8k€1k€-19k
Net result€-3k-€8k€-10k€472€-20k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €19k after €1k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €84k
Fixed assets
€78k▼ 5.3%
Current assets
€6k▼ 95.4%
Equity and liabilities €84k
Equity
€83k▼ 40.2%
Debt
€600▼ 99.3%
The debt ratio falls from 36.5% to 0.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-16k▼
2024 · €19k
Cash flow
€-17k▼
2024 · €18k
Solvency
99.3%▲
2024 · 63.5%
Current ratio
10.56▲
2024 · 1.83
Quick ratio
10.56▲
2024 · 1.83
Debt / equity
0.01▼
2024 · 0.58
ROE
-23.6%▼
2024 · 0.3%
ROA
-23.4%▼
2024 · 0.2%
Interest coverage
-5.15▼
2024 · 3.87
Debt
€600▼
2024 · €80k
Debt ≤ 1 year
€600▼
2024 · €75k
Income taxes
€-28▲
2024 · €-873
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€220k€84k▼
Fixed assets21/28€82k€78k▼
Tangible fixed assets22/27€82k€78k▼
Land and buildings22€80k€78k▼
Furniture and vehicles24€2k€0▼
Leasing and similar rights25€0-
Other tangible fixed assets26€0-
Current assets29/58€138k€6k▼
Amounts receivable within one year40/41€128k€2k▼
Trade receivables40€22k€2k▼
Other amounts receivable41€106k€0▼
Cash at bank and in hand54/58€4k€4k▲
Deferred charges and accrued income490/1€6k€0▼
Equity and liabilities
Total equity and liabilities10/49€220k€84k▼
Equity10/15€139k€83k▼
Contributions10/11€196k€160k▼
Profit (loss) carried forward14€-57k€-77k▼
Amounts payable17/49€80k€600▼
Amounts payable within one year42/48€75k€600▼
Current portion of amounts payable after more than one year42€0-
Trade debts44€3k€358▼
Suppliers440/4€3k€358▼
Taxes, remuneration and social security45€11k€243▼
Taxes450/3€7k€243▼
Remuneration and social security454/9€4k€0▼
Other amounts payable47/48€61k€0▼
Accrued charges and deferred income492/3€5k€0▼
Income statement
Code20242025
Non-recurring operating income76A€0€9k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€2k▼
Other operating charges640/8€4k€4k▼
Non-recurring operating charges66A-€82
Gross operating margin9900€23k€-13k▼
Operating profit (loss)9901€1k€-19k▼
Financial income75/76B€3k€2k▼
Recurring financial income75€3k€2k▼
Financial charges65/66B€5k€3k▼
Recurring financial charges65€5k€3k▼
Profit (loss) for the period before taxes9903€-401€-20k▼
Income taxes67/77€-873€-28▲
Profit (loss) for the period9904€472€-20k▼
Profit (loss) for the period to be appropriated9905€472€-20k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-57k€-77k▼
Profit (loss) brought forward from the previous period14P€-57k€-57k▲
Social balance
Average headcount (FTE)9087-0.0
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Liquidity times 6current ratio 10.56
Current ratio from 1.83 to 10.56; short-term debt falls from €75k to €600.
05-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €472
Net result €472 after one loss-making year.
05-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
25-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
20-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €36k
Net result €36k after one loss-making year.
07-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-20k ▼860%
Net result drops to €-20k, the lowest in the series; recovery starts the following year.
05-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
17-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
12-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2025
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
29-10-2025
Mevrouw Devlies Catherine: Resigned as Director
29-10-2025
Potteau Steven: Resigned as Director
14-05-2021
DEVLIES Catherine André Anna Marie: Resigned as Director
14-05-2021
DEVLIES Catherine André Anna Marie: Resigned as Managing director
14-05-2021
POTTEAU Steven Geert Wim: Resigned as Director
14-05-2021
POTTEAU Steven Geert Wim: Resigned as Managing director
26-06-2020
Paul Potteau: Resigned as Director
28-06-2010
Mevrouw Devlies Catherine: Resigned as Director
28-06-2010
Mevrouw Devlies Catherine: Resigned as Managing director
Location & real-estate footprint
Registered office, Deinze · 1 establishment unit since 1996
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Kapellestraat 709800 DeinzeGround area
1.7 ha
Building footprint
5,896 m²
Volume, LiDAR
113,584 m³
2 parcels, Flanders · tallest building 42.1 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
STECAMO
since 19962.079.467.885
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44004C0214/00B002 | Flanders | 1.4 ha | 1 · 5,431 m² | 42.1 m · 7 fl. |
| 34016B0709/00Y002 | Flanders | 2,723 m² | 1 · 465 m² | 7.2 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Connections & network
1 connected companyNetwork connections
Shared address
→
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Of 82,554 companies in sector 70200 we hold annual accounts for 52,573. 40,227 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-12-1996
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.